Skip Tracing Investigator – Late-Stage Collections

OnPoint Community Credit Union; Portland (OR); On-site; USD 55,000 - 75,000; Full time

Benefits offered by this job

Vacation package

Incentives

Competitive hourly pay

Health premiums paid

Job summary

OnPoint Community Credit Union in Portland, OR is seeking a skilled Skip Tracing Specialist to locate hard-to-reach borrowers and support late-stage collections. You will perform detailed investigative research using public records, databases, and industry platforms, while maintaining strict confidentiality and regulatory compliance.

You will collaborate with Collections, Recovery, and Fraud teams to update contact information, mitigate loss, and accelerate resolution on high-value accounts

Qualifications

• 4 years of experience in a financial institution.
• 3 years of experience in Collections.
• Working knowledge of FDCPA, FCRA, UDAAP, and other consumer protection regulations.
• Experience using investigative databases and online research tools.
• Strong confidentiality and compliance mindset.

Responsibilities

• Conduct skip tracing using public records, proprietary databases, credit bureaus, and other investigative tools to locate members/debtors.
• Research and verify personal identifiers, addresses, place of employment, phone numbers, and third-party contacts for members with delinquent accounts.
• Collaborate with collection specialists to provide updated location and contact information found through the skip-tracing process.
• Document findings, actions, and results in the collections system accurately and in real time.
• Maintain strict compliance with FDCPA, GLBA, FCRA, CFPB and other federal/state regulations.
• Handle sensitive data in accordance with organizational policies and confidentiality standards.
• Work late stage and recovery queues to identify accounts requiring skip tracing intervention.
• Recommend strategies for hard-to-locate accounts and escalation paths when needed.
• Support outbound collection efforts through timely and accurate investigative results, collecting on accounts once members have been located.
• Collaborate with the Fraud department if information is found that suggests a potential fraud concern
• Additional projects, responsibilities, or other duties assigned.

Skills

Collections knowledge

Fraud indicators

Investigative mindset

Attention to detail

Analytical thinking

Communication skills

Confidentiality & compliance

Time management

Cross-team collaboration

Education

High School diploma or equivalent

Tools

Investigative databases

Online research tools

Job description

OnPoint Community Credit Union in Portland, OR is seeking a skilled Skip Tracing Specialist to locate hard-to-reach borrowers and support late-stage collections. You will perform detailed investigative research using public records, databases, and industry platforms, while maintaining strict confidentiality and regulatory compliance.

You will collaborate with Collections, Recovery, and Fraud teams to update contact information, mitigate loss, and accelerate resolution on high-value accounts